Mahila Samruddhi Yojana (DAADC)
By Development Corporation for Rabari/Bharwad and Allied Castes, Government of Gujarat (DAADC)
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Quick Answer
Concessional ₹50,000 loans from DAADC, Government of Gujarat, for Scheduled Caste women starting a micro or small self-employment venture.
About this loan
Scheduled Caste women in Gujarat can get a ₹50,000 loan at 6% per annum to start a micro or small self-employment venture. The State Government bears 95% of the loan (₹47,500) and you contribute 5% (₹2,500). Repayment is over 36 months (3 years), approximately ₹1,445 a month. The Dr. Ambedkar Antyodaya Development Corporation (DAADC) runs the scheme under the Social Justice and Empowerment Department.
You must be a permanent resident of Gujarat, from an Antyodaya Anna Yojana (AAY) family or the economically backward class, with annual family income up to ₹3,00,000.
Eligibility
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Grant providers
Provider
Development Corporation for Rabari/Bharwad and Allied Castes, Government of Gujarat (DAADC)Gujarat · India
Co-organizer
Social Justice and Empowerment Department, Government of GujaratGandhinagar · Gujarat · India
The Social Justice and Empowerment Department is a department of the Government of Gujarat, with its office in Block No. 5, Sachivalaya, Gandhinagar. It runs loan and self-employment schemes for Scheduled Castes, backward classes and Antyodaya Scheduled Caste people, and the…
Learn moreBenefits & Funding
- Amount
- Up to ₹50,000
- Fund type
- Debt
- Repayment
- Repayable
What You Get
This scheme provides a loan amount of ₹50,000 to eligible women for initiating or expanding micro or small businesses. The loan is offered at a highly concessional interest rate of 6% per annum, making it affordable for target beneficiaries. A significant benefit is the State Government's contribution, bearing 95% (i.e., ₹47,500) of the loan amount, while the beneficiary contributes only 5% (₹2,500). The repayment period is structured over 36 months (3 years), with a possible monthly installment of approximately ₹1,445.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Application Process
- 1
Visit Official Website
Navigate to the Dr. Ambedkar Antyodaya Vikas Nigam (SC) official online portal.
You - 2
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How to apply
Four steps from draft to disbursement — one action each.
- 1
Draft your application
Answer the form inside the grant tracker — AI drafts each response using your past answers, so you're not starting from a blank page.
- 2
See the questions before you start
Download every question this programme's application form asks, so you can prepare your answers offline before opening the portal.
- 3
Line up your documents
Keep every document from the checklist ready in one folder. Missing docs are the #1 reason applications get bounced.
- 4
Submit on the official portal
Use the official application link and verify all details before final submission.
- 5
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
Frequently Asked Questions
Who is eligible to apply for the Mahila Samruddhi Yojana?
The scheme is open to women who are permanent residents of Gujarat, belong to the Scheduled Caste (SC) category, are from an Antyodaya Anna Yojana (AAY) family or economically backward class, and have an annual family income not exceeding ₹3,00,000. Applicants must be planning to start a self-employment venture or micro-enterprise.
What is the maximum loan amount I can receive under this scheme?
Eligible women can receive a loan amount of up to ₹50,000 to start or expand their micro or small businesses. This amount is designed to provide essential capital for new ventures.
What is the interest rate for the loan?
The loan under the Mahila Samruddhi Yojana is provided at a concessional interest rate of 6% per annum. This low interest rate aims to make the loan affordable and reduce the financial burden on beneficiaries.
Do I need to contribute any amount towards the loan?
Yes, beneficiaries are required to contribute 5% of the loan amount, which is ₹2,500. The remaining 95% (₹47,500) is borne by the State Government, significantly reducing the upfront cost for the applicant.
What is the repayment period for the loan?
The loan has a repayment tenure of 36 months, or 3 years. The possible monthly installment amount is approximately ₹1,445, designed to be manageable for emerging entrepreneurs.
How do I apply for the Mahila Samruddhi Yojana?
Applications are submitted online. You need to visit the official website, click on 'Apply Now,' select the loan scheme, fill out the detailed application form with personal, address, income, and bank details, and upload all required documents such as caste, income, and Aadhaar certificates. After reviewing, submit the application and save your application ID.
